| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNADETTE M O'NEIL3 Filed as: BERNADETTE M ONEILL | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $117K | $0 | $117K | 3.32% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET SUITE 3750 LOS ANGELES, CA 90071 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $69K | $0 | $69K | 1.95% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $39K | $39K | 1.11% |
| BERNADETTE M O'NEIL3 Filed as: BERNADETTE O NEILL | 3809 WEST CHESTER PIKE SUITE 190 NEWTON SQUARE, PA 19073 | KAISER FOUNDATION HEALTH PLAN INC. | $64K | $0 | $64K | 2.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $36K | $0 | $36K | 1.63% |
| BERNADETTE M O'NEIL3 Filed as: BERNADETTE ONEILL | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $61 | $2K | 0.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.36% |
| BERNADETTE M O'NEIL3 Filed as: BERNADETTE M ONEILL | 3809 E CHESTER PK SUITE 190 NEWTOWN SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $197 | $7K | 4.64% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.38% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC | 1350 TREAT BLVD SUITE 470 WALNUT CREEK, CA 94597 | VISION SERVICE PLAN | $4K | $0 | $4K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.83% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 W CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | VISION SERVICE PLAN | $948 | $0 | $948 | 1.14% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 748 | $5.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,555 | $503K |
| Vision | VISION SERVICE PLAN | 662 | $83K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 748 | $3.5M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 741 | $147K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 741 | $147K |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 748 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,555 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.